You are always 100% vested in the value of your employee contributions.

Your Company matching contribution, as well as any MMC fixed company contributions transferred from the Marsh & McLennan Companies 401(k) Savings & Investment Plan, are subject to a vesting schedule. However, regardless of your years of vesting service, you are 100% vested in the value of Company matching contributions and any MMC fixed company contributions transferred from the Marsh & McLennan Companies 401(k) Savings & Investment Plan when:

you attain age 65 (reach normal retirement age) while employed by the Company or Marsh & McLennan Companies.

you are disabled as determined under MMA's procedures.

you die (while employed by the Company or Marsh & McLennan Companies).

the Plan is terminated in full or there is a partial termination that affects you. (You will be notified if this occurs.)